If you are recently shopping around for mortgages, give Sherry Wang from Citi a try. I just closed escrow with Sherry, and my experience is fantastic. She not only beat all competitors' rates, but also locked the rate for me for extended periods that no one else was able to do. She guided me step by step through the whole process from May to today. She followed up with me almost every week to make sure everything is moving forward and there were no surprises. I am not the only one that uses Sherry for mortgages on this board, and actually I first get to know her from this board. So I wanna post this thread to say thank you to whoever recommended her on this board and share my pleasant experience here.